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greenfreak
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Member since 9/06 11483 total posts
Name:
greenfreak
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Personal question re: credit cards [Poll]
DH and I paid off our credit cards almost four years ago and haven't used them since. I recently found out one of my rewards cards was bought by Chase, so now I will have two Chase Visas. Weird.
I called to find out my available credit and I think my limits are a little low. We don't *need* it right now, but I'd like to have it just in case, so I might keep both cards or see if they will combine the two and give me the lowest APR.
I was just curious how much available credit people have with all their credit cards. I realize it's a personal question so I did the poll, no need to feel pressured to answer or vote. 
***Edit - I mean how much is your total limit, regardless of how much you owe***
Message edited 2/17/2010 2:20:16 PM.
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Posted 2/17/10 2:10 PM  |
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LoveyQ
Stalkers, get a life.
Member since 11/07 12820 total posts
Name:
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Re: Personal question re: credit cards [Poll]
Do you mean available credit as in INCLUDING how much you currently owe on your cards, how much you have left over to still use? That's how I took the question, but then I thought maybe you meant how much were the limits on all of your cards...
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| Posted 2/17/10 2:14 PM |
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greenfreak
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Member since 9/06 11483 total posts
Name:
greenfreak
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Re: Personal question re: credit cards [Poll]
I'm sorry, I edited my post.
If your limit is $10k and you're using $5k of it, you would still vote $10k.
Hope that's clearer! 
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| Posted 2/17/10 2:21 PM |
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MrsPJB2007
MBA at your service!
Member since 7/06 12020 total posts
Name:
MJ
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Re: Personal question re: credit cards [Poll]
We had a lot more credit on 2 of our cards, but since we weren't using it, they cut it dramatically last year. I think a lot of people got their credit cut during the recession.
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| Posted 2/17/10 2:24 PM |
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greenfreak
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Member since 9/06 11483 total posts
Name:
greenfreak
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Re: Personal question re: credit cards [Poll]
I wonder if they'll be resistant to raising it for us then. We haven't really done a 'review' of our cards since we bought our home. We've been concentrating more on paying cash (or going without) and saving money in our accounts.
I just think of all the things that we could need to put on a card in cases of emergency and I'm a little concerned that the limits wouldn't be enough.
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| Posted 2/17/10 2:26 PM |
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ave1024
I Took The Wrong Road
Member since 12/07 6153 total posts
Name:
That Led To The Wrong Tendencies
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Re: Personal question re: credit cards [Poll]
LOL... where is the 300k+ option? 
I have one card by itself with a 73k credit limit.
I have three other cards all with over 40k limits.
Plus a bunch of other cards.
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| Posted 2/17/10 2:37 PM |
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ave1024
I Took The Wrong Road
Member since 12/07 6153 total posts
Name:
That Led To The Wrong Tendencies
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Re: Personal question re: credit cards [Poll]
Posted by greenfreak
I wonder if they'll be resistant to raising it for us then. We haven't really done a 'review' of our cards since we bought our home. We've been concentrating more on paying cash (or going without) and saving money in our accounts.
In my experience, I have found if you have high limits on some cards, then other banks will be MORE willing to give you high limits, just to be competitive.
I think banks get more nervous if you are the type of customer that just has a few cards with 2-3k limits.
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| Posted 2/17/10 2:38 PM |
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KimberlyScott
Graceyn=My World <3
Member since 10/08 4173 total posts
Name:
Kimberly
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Re: Personal question re: credit cards [Poll]
My AMEX has a 10k limit. I have a few others that have 5K.
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| Posted 2/17/10 2:40 PM |
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kimbalina
Bring on the glitter and bows!
Member since 6/08 15158 total posts
Name:
Kim
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Re: Personal question re: credit cards [Poll]
Posted by ave1024
LOL... where is the 300k+ option?
I have one card by itself with a 73k credit limit.
I have three other cards all with over 40k limits.
Plus a bunch of other cards.
Want to take me shopping?
Congrats on your greatttttttt credit!
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| Posted 2/17/10 2:42 PM |
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MarathonKnitter
HAPPY
Member since 2/07 17374 total posts
Name:
EMBRACING CHANGE
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Re: Personal question re: credit cards [Poll]
ZERO!
i have no credit cards
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| Posted 2/17/10 2:43 PM |
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kimbalina
Bring on the glitter and bows!
Member since 6/08 15158 total posts
Name:
Kim
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Re: Personal question re: credit cards [Poll]
Posted by libby2595
ZERO!
i have no credit cards
I am with you, we try not to have to many cards and have good credit, but I don't want to have them available to me to use.
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| Posted 2/17/10 2:44 PM |
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ave1024
I Took The Wrong Road
Member since 12/07 6153 total posts
Name:
That Led To The Wrong Tendencies
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Re: Personal question re: credit cards [Poll]
Posted by libby2595
ZERO!
i have no credit cards
What do you have on your credit report then that determines your length of credit history?
You should always have at least 1-2 credit cards.
Without a credit card on file, it shortens your active credit history which lowers your credit scores.
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| Posted 2/17/10 2:45 PM |
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CunningOne
***
Member since 5/05 26975 total posts
Name:
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Re: Personal question re: credit cards [Poll]
Posted by ave1024
LOL... where is the 300k+ option?
I have one card by itself with a 73k credit limit.
I have three other cards all with over 40k limits.
Plus a bunch of other cards.
Sounds like me! It's insane! I never had more than like $2K on a card and pay every balance in full. I have one card with a $54K limit 
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| Posted 2/17/10 3:30 PM |
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eroxgirl
My Loves
Member since 5/05 15697 total posts
Name:
Rebecca
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Re: Personal question re: credit cards [Poll]
I chose the wrong answer... I put 10-20k but I think it's more like 20-40k.
I don't pay attention to the limit, I just have a personal limit for the amount of debt that I will carry.
My Sears card has actually reduced my credit limit twice because I haven't used it in a while. I only keep it because I've had that card the longest.
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| Posted 2/17/10 3:55 PM |
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smdl
I love Gary too..on a plate!
Member since 5/06 32461 total posts
Name:
me
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Re: Personal question re: credit cards [Poll]
With ALL the CC (included stores CC), probably low 20's.
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| Posted 2/17/10 5:31 PM |
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Jenn627
Laaaaaaaambert!
Member since 5/08 9818 total posts
Name:
Jenn
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Re: Personal question re: credit cards [Poll]
Posted by ave1024
LOL... where is the 300k+ option?
I have one card by itself with a 73k credit limit.
I have three other cards all with over 40k limits.
Plus a bunch of other cards.
I think that qualifies for the 60K + option! 
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| Posted 2/17/10 6:19 PM |
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saraH
happy birthday sweet kate!
Member since 5/05 16555 total posts
Name:
I know that God exsists, I held her in my arms...
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Re: Personal question re: credit cards [Poll]
between 10k and 20k.
but we are closing some cards that we don't need or use.
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| Posted 2/17/10 6:24 PM |
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sleepie76
enjoying every minute
Member since 12/07 3881 total posts
Name:
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Re: Personal question re: credit cards [Poll]
My major credit cards have a limit of anywhere from $8k-15k on each one.
I find the amount of credit available to me scary at times..... 
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| Posted 2/18/10 8:09 AM |
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Mommy2Boys
My Boys!!!!
Member since 6/06 14437 total posts
Name:
C
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Re: Personal question re: credit cards [Poll]
Posted by sleepie76
My major credit cards have a limit of anywhere from $8k-15k on each one.
I find the amount of credit available to me scary at times.....
Same here...one has $20K limit.
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| Posted 2/18/10 8:27 AM |
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